Increase in CC limit

[Anonymous]

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@babbles wrote:

well, Navy Fed did me a favor and left me with a $1 balance instead of $1.46 

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Do you mean your statement balance was $1.46 and they reported $1, or your closing balance was $1.46 and they rounded that down to a $1 statement balance?

[babbles]

Statement balance and they must have rounded down your right but I made the payment on Saturday morning and it closed out Sunday midnight I guess

[babbles]

the bump was excellent off paying the balance down,  45 points and up to finally put me in the 815 range across the board, I think someone had explained before why FICO dosen't show  inquires over a year old but others like vantage and karma  will show them  up to two years, was it because the impact is less after a year and will the lender see the inquiries according to FICO or the  other files?